Kumele uqonde ulimi nemigomo yokunikezela izinhlelo ezihlukahlukene zomqashi wakho ngaphambi kokuzibophezela.
Ngenkathi ezinye izinkokhelo zomqashi zinikezwa ngokugcwele ngenkathi zinikezwa, ezinye zikhonjelwe isikhathi futhi zisebenze ngesilinganiso esikhulayo ngokuhamba kwesikhathi esibizwa ngokuthi isimiso sokuthenga.
Isibonelo se-401 (K) Iminikelo ene-Vesting Immediate
Isibonelo esisodwa ukuthi uma umqashi wakho unikela ngemali efana nemali yakho engama-401 (K) kuze kube ngu-10% wemali yakho yonke. Ake sithi ubeka ukuthi u-$ 10,000 uzofakwa ku-401 wakho (K) kulo nyaka. Lokhu kusho ukuthi umqashi wakho uzonikeza imali eyengeziwe engu-$ 1,000 (noma i-10%) ehambisana nezikhwama, ngokuthengiswa ngokushesha. Ukuthengwa okusheshayo kusho ukuthi umnikelo ungowakho konke, nakuba noma yikuphi ukuhoxiswa kuncike emithethweni ye-IRS elawula lezi zinhlelo.
Isibonelo Sezibonelelo Zama-Stock ezingahle zifike ngokushesha noma, Ngokuhamba kwesikhathi
Esinye isibonelo singase sibe yinkampani enikeza abasebenzi abasebenzi abanqunyelwe isibonelelo samasheya ngosuku lwabo lokuqasha, nge-100% efaka esitokisini esenzeka ngosuku lwesithathu lomsebenzi wesithathu.
Leli fomu lokunikezela libizwa ngokuthi ukuthengiswa komcibisholo futhi kusho ukuthi awunayo isimangalo ezintweni ezinikezwe kuze kutholakale usuku lwangempela lwesithathu lomkhosi. Uma ushiya inkampani ngemuva kweminyaka emibili okusho ukuthi ngeke ukwazi ukuthatha (noma ukheshi) noma yiziphi izibonelelo zakho zamasheya.
Okunye kokuthengiswa komcibisholo kunamathenda (noma okuphothuliwe) okunikezwayo okulawulwa yisikhathi sokuthenga.
Ukusebenzisa isibonelo esingaphezulu kwesibonelelo sesitoreji esinqunyelwe, indlela yokufaka imali ingase ikhombise ukuthi u-25% wezabelo zakho zokwabelana ngeminyaka eyodwa kanye nambili (inani eliphelele lama-50%) kanye namasheya asele (ukulinganisa i-50%) yokugqoka iminyaka emithathu. Ngale ndlela, uma ushiya inkampani ngemuva konyaka wakho wokuqala, uzobe ulawulwa ngama-25% wamasheya, njalonjalo.
Isibonelo seSikhwama seSikhwama se-Stock Ukuthenga
Ukusetshenziswa kwezinketho zezitoko kuvamile kakhulu kuma-start-up nama-teknoloji amaningi. Le nketho yesitoko inikeza ilungelo lokuthola isabelo samanani ngentengo ethize (noma ngaphambi) usuku oluthile. Esikhundleni sosuku, enye inketho yokuthola ilungelo ingaba umcimbi wokuqala njengokushintsha kokulawula kwe-firm. Kulesi simo, ukuguqulwa kokulawula kuyigama elihle kuphela lokuthola inkampani yakho ngomunye umshini.
Abanomabhizinisi bathanda lolu hlobo lokukhetha ukuthenga. Futhi kungani kungenjalo. Ake sithi unikezwe izinketho ezingu-10,000 ngentengo yesitoreji se-$ 3.50 ngesabelo ngasinye. Uma imigomo yesibonelelo sakho sezinkokhelo zesikhombiso sibonisa ukuthi zanikezele ngokugcwele ukuguqulwa kokulawula futhi enye inkampani izuza ngokuqinile ku-$ 4.00 ngesabelo ngasinye, izinketho zakho ngokushesha zibophe ekupheleni kokuthola. Lokhu kusho ukuthi unelungelo lokuthenga amasheya angu-10,000 ku-$ 3.50 ngamunye futhi ngokushesha uyabathengisa ngo-$ 4.00 ngamunye, ngaleyo ndlela wenze inzuzo ye-.50 ngamasheyinenti ngesabelo ngasinye.
Isibonelo Sokuqashwa Kwemhlalaphansi Efanelekayo
Imisebenzi eminingi kahulumeni, kamasipala kanye nemfundo inikeza uhlelo olufanele lokuthatha umhlalaphansi olulawulwa yisikhathi sokuthenga ngokusekelwe eminyakeni yakho yokusebenza. Njengoba iminyaka yakho yenkonzo iyanda ngakho iphesenti yakho yokuthenga kuze kube yilapho ufinyelela ngaphezulu kwezingu-100% ngosuku oluzayo lomkhosi. Kodwa-ke, uma ushiya umsebenzi wakho ngaphambi kokuba unikezwe ngokugcwele, uzothola inzuzo yomhlalaphansi esikhathini esizayo ngamaphesenti athile esamba, kepha hhayi inani.
Okubalulekile
Hlala uqaphele ulimi oluzungezile lokuthengisela noma yiziphi izinzuzo ezinikezwa umqashi wakho okubandakanya iminikelo. Isimiso sokuthenga esikukhethayo singase sikhombise okukhethwa kukho komsebenzi wakho, kuhlanganise nokukhetha ukuhlala neqinile kuze kube yilapho usufika usuku olubalulekile lokugubha usuku.